Central Pacific Bank

This is a financial institution offering SBA loan programs and small business financing options, providing support for entrepreneurs looking to grow or expand their businesses.

It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.

Central Pacific Bank's main branch is open Monday through Thursday from 8:00 AM to 4:00 PM, and Friday from 8:00 AM to 5:00 PM. Please confirm current hours directly with the bank at (808) 544-0500.

There are no fees to visit or consult; however, loan application fees and closing costs may apply depending on the financing arrangement.

This bank primarily serves residents and small business owners within Hawaii, though some services may be available to out-of-state clients by appointment.

A minimum personal credit score of 640 is generally required, but higher scores increase the likelihood of approval.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Central Pacific Bank's main branch is closed on Saturdays and Sundays; SBA lending staff are available Monday through Friday only.

Central Pacific Bank is located in Hawaii — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Central Pacific Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Central Pacific Bank itself, which runs its own lending under its own ownership. If you work at Central Pacific Bank, you can claim this listing from this page to manage it.

The core details for Central Pacific Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Central Pacific Bank before applying. If you represent Central Pacific Bank, claim this listing to keep its information up to date.

You can reach Central Pacific Bank by phone at (808) 544-0500 or online at cpb.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Central Pacific Bank before relying on them.

Based on its approved SBA loans, Central Pacific Bank most often finances businesses in construction & contractors, restaurants & food service, general retail, medical practices & clinics, catering & events, and wholesale & distribution. This reflects Central Pacific Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Central Pacific Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Central Pacific Bank participates in SBA Express depends on its specific SBA lending authority. Contact Central Pacific Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Central Pacific Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Central Pacific Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Central Pacific Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Central Pacific Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Central Pacific Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Central Pacific Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Central Pacific Bank weighs this case by case under its own policy, so be upfront about your history and ask Central Pacific Bank how it evaluates prior bankruptcies.